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Pontiac National Bank

Pontiac, IL · Cert 14736

FDIC

Q3 2011

$406.3MAssets
$252.9MLoans
$322.3MDeposits
$43.7MEquity
Loan mix
76%RE $154.9M21%C&I $42.0M3%Consumer $5.8MQ3 2010Q3 2011
Deposit mix
84%Interest-bearing $269.2M16%Noninterest $53.1MQ3 2010Q3 2011

NIM

5.40%Q3 ’095.04%Q3 ’104.83%Q3 ’11+5%+0%

Non-interest income vs. expense

3.59%Q3 ’093.68%Q3 ’103.47%Q3 ’11+0%-6%

Executive Summary

  • Earnings: ROA of 1.22%, down 5 bps year over year; NIM at 4.02%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.63%.
  • Funding: loans stand at 78.45% of deposits as of Q3 2011.

Financial Results

Return on Assets (quarter, annualized)

1.22%-5 bps YoY

Net Interest Margin (quarter, annualized)

4.02%0 bps YoY

Efficiency Ratio (quarter, annualized)

64.90%-270 bps YoY

Tier 1 Leverage Ratio

n/a

Discrete quarter, annualized.

MetricQ3 2010Q4 2010Q1 2011Q2 2011Q3 2011YoY ΔTrend
Earnings
Return on Assets1.27%1.19%1.50%1.16%1.22%-5 bps
Return on Equity12.74%11.64%14.53%11.04%11.37%-136 bps
Net Interest Margin4.01%3.97%3.93%3.91%4.02%0 bps
Efficiency Ratio67.59%64.97%67.12%71.55%64.90%-270 bps
Non-Interest Burden2.43%2.23%2.37%2.60%2.29%-13 bps
Growth
Asset Growth (YoY)3.72%-4.52%0.36%-2.69%-2.87%-658 bps
Loan Growth (YoY)11.07%5.19%-2.77%-4.00%-5.26%-1,633 bps
Deposit Growth (YoY)-0.91%-3.08%-0.12%2.34%1.42%+233 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.04%0.20%0.14%0.26%0.63%+59 bps
Allowance / Loans1.19%1.17%1.28%1.26%1.29%+10 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/an/an/an/an/an/a
Total Risk-Based Capital12.01%12.21%13.35%13.08%13.13%+112 bps
Equity / Assets10.15%10.35%10.35%10.68%10.75%+60 bps
Liquidity & Funding
Loans / Deposits83.98%86.92%77.16%78.60%78.45%-553 bps
Liquid Assets / Assets0.23%0.34%4.92%2.85%2.40%+217 bps
CRE / Total Capitaln/an/an/an/an/an/an/a